Claims Adjuster

Kin is seeking a Claims Adjuster with first-party property claims experience to join our growing team. Because we tackle insurance differently, we want you to draw on your expertise in property claims while helping us to continue to innovate on behalf of Kin’s customers and our stakeholders. As a Claims Adjuster, you will guide customers through the claims process with empathy and clarity, helping them navigate property damage situations with confidence. You will investigate and manage claims from a variety of perils efficiently and thoroughly to ensure timely, fair resolutions.

Responsibilities

Examining and appropriately interpreting insureds’ policies, forms in force, and other records to determine coverage and extent of company’s liability; Keeping active communication with customers throughout the Claims process; Drafting, approving, and adjusting estimates of damage and loss amounts; Using varying methods of investigation, including taking recorded statements, consulting with police, inspecting property damage, and reviewing documentation; Partner with field appraisers to manage home estimates/repairs; Estimating cost of repair, replacement, or compensation; Writing clear, concise diary notes in addition to setting field assignments, saving contacts, and issuing payments; Appropriately applying knowledge of multiple state statutes, including the insurance code of ethics, rules, regulations, and guidelines

Requirements

2+ years of first-party residential property claims adjusting working directly for an insurance carrier; An active, valid Adjusters License in your current state of residence; Knowledge and experience in California claim handling; Strong understanding of Florida insurance laws and good faith claims handling; Capability to work through daily & catastrophe claims in high-risk states; Experience with vendor management and negotiations; Comfortable utilizing various claims systems (i.e. Xactimate, XactAnalysis, Symbility, EagleView); Ability to work mandatory overtime as needed in the event of high claim volume due to a catastrophic event; Ability to live and work full-time in one of the following states: AL, AR, AZ, CA (exempt only), CO, CT, FL, GA, ID, IL, IN, IA, KS, KY, MA, ME, MD, MI, MN, MO, MT, NC, NE, NJ, NM, NV, NY, OH, OK, OR, PA, SC, SD, TN, TX, UT, VT, VA, WA, and WI

Nice to have

Bilingual capability is a plus (spanish-speaking)

Benefits

Competitive salary and company equity through Restricted Stock Units (RSUs); 401(k) with company match up to 4% of eligible earnings; Multiple medical plan options, plus dental and vision coverage; Company-funded HSA contributions (based on medical plan selection); Company-paid life insurance and short-term disability; Employee referral bonuses; Supplemental benefit options including long-term disability, critical illness, accident, legal, and pet insurance; Access to mental health support and confidential counseling resources; Flexible PTO for exempt employees (most employees take 15–20 days per year), plus 8 company-observed holidays; Paid parental leave, including up to 14 weeks at 100% pay for birthing parents and 8 weeks at 100% pay for non-birthing parents; Career mobility and internal growth opportunities; Professional development budgets for certifications, conferences, and learning available, subject to management approval